04/28/2026
🚨 Most business owners don’t know this — and it’s costing them everything.
When you apply for a business loan, a human isn’t making the first decision.
A computer is.
And that computer is checking 4 specific things before it ever spends a dollar pulling your credit report.
Miss even ONE of them and you get:
❌ Lower approval amounts
❌ Shorter repayment terms
❌ Higher interest rates
❌ Or a flat out decline
Here are the 4 Legs every business must have to be considered bankable 👇
Leg 1 — Lender Compliance 20 specific items lenders scan in seconds via data APIs. You either pass all 20 or the door closes automatically.
Leg 2 — Bank Rating (Low 5 Minimum) Your average daily balance over 90 days. Below $10,000 average and lenders see you can’t service the debt.
Leg 3 — Comparable Credit A reporting tradeline close to the amount you’re requesting. No proof someone trusted you at that level = lower offers every time.
Leg 4 — FICO SBSS 160+ and 70+ with all 4 bureaus The business credit score 99% of owners have never heard of — but every major lender uses to decline you automatically.
Here’s the reality:
We scanned 10,000 small businesses. Only 62 passed. That’s less than 1%.
This is why 90% of small business loan applications are declined — not because businesses aren’t worthy, but because they don’t know what lenders are actually checking.
The good news? Every single one of these legs is buildable.
💡 The free Business Success Scan shows you exactly which legs your business has and which ones need work — in minutes.
Drop “SCAN” in the comments or click the link in my bio to get yours free.